Columns
October 9, 2014
Fred Thompson is retail practice leader at LoyaltyOne
By a Luxury Daily columnist
{"ct":"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","iv":"4f490a536c5578b8079a78da5410fb26","s":"acc2441490eb136a"}
Share your thoughts. Click here